Herron, MT
Herron, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Herron at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 136 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Herron's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
Herron's building exposure, zone by zone
136 buildings are counted in Herron, and 94.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Herron against the rest of the country
Inside Montana, Herron sits at just the 27th percentile even though it scores 61st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Herron ranks 12,357 for wildfire risk (1 is highest) and 27,452 by building count (1 is largest). Within Montana alone, it ranks 349 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
Herron's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Herron (94.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Herron's figures come from
Herron's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Herron's dominant direct exposure actually means, with real examples from across the dataset.